Did not effect my bottom line on that property but did prevent my ability to do more flips. 

The lender gives you a slightly higher rate, and THEY pay those costs for you.This strategy is a great short-term strategy, because most times it takes about 5-7 years +/- to break even on paying those costs.Which is why for many real estate investors, especially flippers, this is a better strategy, and one that I educate all my clients about.Everyone is so caught up in the lowest rate, when in fact overall cost-effectiveness and knowing the long-term plan are more important than rate. 

If that is the case, creating a company to have the rental properties under the company will have the same effect - your loss from the rental properties will be reported on K-1 (instead of Schedule E), which will be subject to same limitations. 

Developers are offering 0 down VA loans in my area. 

Are yellow letters really that effective?

I have also been putting them under the vanities in the bathrooms as it heats the bathroom more effectively.

Use that as a guide for developing your ARV.  

I have bought and sold over 900 properties for my own inventory and did Bigger Pockets Podcast #82.I've done vacant lots also, both scattered lots and land subdivision and development in 4 local counties.

Hi Sean,Here's your cheat sheet, page 2.When it says 85 bps, which is >90% of scenarios, you can do this formula to get within a few dollars a month:[ Loan amount * 0.85% / 12 = monthly MIP ]Your effective interest rate is 0.85% higher than your nominal note interest rate.

With things going more and more online I wonder if lead gen websites will be more effective in the future.